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Why Everyone Should Carry UM Auto Insurance


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 Why Everyone Should Carry UM Auto Insurance

Over the last 25 years as a  personal injury attorney I’ve seen too many extremely serious car accidents where there was either no insurance or very little insurance compared with the huge medical bills of the victims.

 

Situations vary from a defendant who failed to make his monthly insurance payment to drivers who were not covered under the insurance policy and even hit and run accidents.

 

Each time the Houston car accident has the same consequence, if the victim does not carry under insured motorist coverage also called uninsured motorist coverage, the victim often ends up with no compensation for their injuries and left with a mountain of medical bills to pay.

 

The situation regarding uninsured motorists seems to get worse when the economy flounders and also when the cost of car insurance in Texas has continued to skyrocket at record paces.  Eight years ago In Texas we had “tort reform” which was supposed to cut in half our car insurance premiums we are forced to pay.

 

Unfortunately, “tort reform” turned out to be the “windfall profits act for insurance companies” by reforming only who got the money, instead of the victims compensated the insurance company kept it.  Sadly Texans did not get the 50% reduction in costs of auto insurance but the costs actually went up. Texas families became the “profit centers” for insurance companies with auto insurance.

 

Additionally, “tort reform” has had the unintended consequence of increasing the cost of litigation to innocent victims and also (coupled with the insurance company settlement practices) it actually increased the number of legitimate and just lawsuits filed (instead of settled). Dragging both the victim and the policyholder though the litigation process unnecessarily.

 

It is a good plan for anyone in Texas to shop around for car insurance to obtain the best deal and to request both personal injury protection and underinsured and uninsured motorist coverage to protect them against an accident with an uninsured driver.

 

Contact your insurance agent each year and go over your coverage and you will be glad you did.

Greg Baumgartner is a Austin personal injury lawyer and the founder of the Baumgartner law firm, a Texas personal injury law firm dedicated to helping families of people injured or killed in accidents. For a free no obligation consultation with a  personal injury attorney in Austin call the Baumgartner law firm at toll free at 1-866-758-4529.

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